Q: Where are Union Federal offices located and when are they open? Q: Who can open an account with Union Federal? Q: What types of accounts do you offer? Q: Are my deposit accounts FDIC insured? Q: What is "Check 21" and how does it affect me? Q: Why is a hold placed on my check deposits? Q: How do I set up Direct Deposit of my payroll check? Q: How do I set up Direct Deposit of my Social Security check? Q: When do I have access to my funds that are direct deposited? Q: How will I know if my check has been deposited? Q: Are wire transfers possible to and from my account? Q: If I have a transaction problem at an ATM, what do I do? Q: If my ATM and/or Debit card is lost or stolen, what do I do? Q: If my checkbook gets lost or stolen, what do I do? Q: If I need to change my name or address, what do I do? Q: How do I reorder checks? Q: How do I get a copy of my account statement? Q: How do I get a copy of a specific check? Q: When do I have access to use Internet Banking?Banking: Frequently Asked Questions
A: We have six convenient locations to serve you. To find out where they are and when they are open please visit our Locations page.
A: We welcome any eligible person or business to open an account with us. Our current eligibility requirement is that you must live within a 50 mile radius of one of our seven office locations.
A: We offer a wide variety of products to our customers. For a listing of our products and services, please visit our Products & Services page. If you have further questions, please contact us.
A: Yes. Each individual customer is insured by the FDIC up to at least $100,000. You may be entitled to more FDIC insurance depending on the ownership of your accounts. For more information about your coverage, please visit the FDIC website.
A: Check 21 is an act created to help streamline the check processing system using digital imaging systems. Please click this link to learn more about Check 21.
A: Our normal procedures are to place a two business day hold on most checks. This time allows us to begin the check clearing process through the Federal Reserve System. On a case by case basis, a longer hold may be placed on deposits over $5,000 or in cases where the collectibility of the check is in question. If a longer hold is placed on your check, you will receive a form detailing the hold amount and reason. Please refer to our Funds Availability Policy for more information.
A: If your employer participates in a direct deposit program, simply provide our routing/transit number and your account number to the human resources or payroll department at your company. These numbers are listed at the bottom of your check so most employers will ask for a voided check to begin the process.
A: You will need to provide the Social Security Office our routing/transit number and your account number. These numbers are listed at the bottom of your checks. Please click to find the Social Security Office's contact information.
A: Direct deposited funds are available on the day of deposit.
A: With Internet Banking you have access to your account information 24 hours a day, 7 days a week. If you are not currently enrolled in Internet Banking, you may enroll now in order to access your account information. If you do not wish to sign up for Internet Banking, you may contact any of our seven offices.
A: Yes. Funds can be transferred to and from accounts by wire transfer. Please contact us for further details.
A: If the problem occurs at a Union Federal ATM, please visit the office at which it occurred. If the problem occurs at an ATM other than those owned by Union Federal, please contact your nearest Union Federal office as soon as possible.
A: Please call 1-800-472-3272 as soon as you notice your card is missing to limit your personal liability. Also, contact your nearest Union Federal office as soon as possible.
A: Please contact your nearest Union Federal office as soon as possible in order to safeguard your account against any fraudulent activity.
A: You may change your address by filling out the Change of Address Request Form while logged on to Internet Banking or by visiting your nearest Union Federal office. To change your name or change title on an account, you will need to visit your nearest Union Federal office.
A: You may order or reorder checks online directly through Deluxe. You can also reorder checks by visiting your nearest Union Federal office or by mailing in the check reorder form included with your checks.
A: You may request a copy of your account statement by contacting your nearest Union Federal office.
A: With Internet Banking you can get a check copy by clicking on the number of the check that you need. If you are not currently enrolled in Internet Banking, you can enroll now in order to access your account information and check copies. If you do not wish to sign up for Internet Banking, you can contact your nearest Union Federal office.
A: With Internet Banking you have access to your account information 24 hours a day, 7 days a week.
